PERLINDUNGAN HUKUM BAGI NASABAH BANK PENGGUNA JASA TRANSFER DANA SECARA ELEKTRONIK

Abstract

Electronic funds transfer that cover transaction automatic teller machine (atm), fund transfer, and credit card transaction, be bank service activities in fund transfer. basically transaction by using electronic funds transfer differs from payment transaction conventionally that done by using paper (paper) so in electronic funds transfer uses electronic media. This thesis discussion covers three principal troubleshoots that is how does contractual terms between bank as service service giver electronic funds transfer with the customers. second how does law protection forms for service user customer electronic funds transfer especially in atm, credit card, and fund transfer. third how does completion efforts if happen disagreement between customer and bank side in service use eft. This watchfulness discussion result shows contractual terms between bank as service service giver electronic funds transfer with service user customer found right and duty in each side because base it agreement, good in transaction passes atm, also credit card. only customer position has presented on the side of weak even if carry out all the duty because they must at one's feet of agreement its for standard, so that there is no position bargains again towards agreement contents clausal. As law protection form towards customer, appear rule normative as arranged in section 29 verse (4) uu. banking the kernel obligates bank to prepare information about possibility incidence loss risk, section 17 verse (3) uu. 11/2008 about information and transakai electronic that burden electronic system exertion responsibility in administrator, and also indonesia bank director letter of appointment no. 27/164/piece/mer/1995 about information system use by bank that obligate to bank management to apply supervision system principles and pacification towards application system use that contain tall risk, and also law no. 8 year 1999 about consumerism. Completion efforts if happen disagreement between service user customer eft with bank can be goed two stripes that is: stripe non litigasi and stripe litigasi. stripe non litigasi can cover peace/meeting manner, konsiliasi, mediasi and or also arbitration. to watch over bank credibility so appropriate indonesia bank rules no. 10/1/pbi/2008, disagreement is strived for finished to pass mediasi. when does manners not reached so disagreement completion be can be done to pass stripe litigasi can be do to pass court trades or district court